u/Quincy_Wagstaff

I downloaded and subscribed on the recommendation of someone we travel with. It’s a little quirky compared to Google Maps and Apple Maps, but I’ve seen much to like.

I entered some routes that I plan to take on upcoming trips and was surprised to see it routed me under a 14’1” overpass, even when I entered my vehicle height at 15,18 or 20’. I looked around and routed under the Bloomington, Indiana can opener with no warning.

I’ve dug through settings and can’t find anything I’m missing. Even if I’ve made a mistake, there is no excuse that it’s so easy to do with no notification something is wrong.

I cancelled my subscription as I can’t see what the app does that is worth paying for. Of course their support is utterly useless.

Several months ago I found it had added the place I work out, which I 100% do not want to be an exception. Today I drove to the store and didn’t get notified I’d left my wallet at home. Looking at Find My, I see home has been added as an exception.

I’ve never added an exception for this tag, and don’t want any exceptions. It seems as if the phone sees places you regularly spend time and adds them.

Current iOS version

Wife and I are retired other than part-time. No debt. No financial obligations. Not yet on SS, but both on Medicare. Good 401K, mostly untaxed, but have done some Roth conversions. 10 years before RMDs. Modest pensions. We have recently inherited a not insignificant amount of money. We have a decent investment portfolio as well. Investments and the pensions give us access to significantly more income than we made while working. And we have roughly $60K annually in social security in the wings.

While “interviewing” a potential financial adviser, I brought up the subject of tax planning. I wasn’t satisfied with the answer since he ignored IRMAA and his numbers aren’t really close to my spreadsheet calculations. I’m not an accountant, but I thoroughly understand the relevant parts of taxes and my financial situation.

I started looking for tools to do financial forecasting to see what the future holds. I’d like to have this both to avoid taxes to the greatest extent reasonable and to just know what the future holds.

An example of a concern I had was the opportunity cost of a Roth conversion vs taxes and hitting IRMAA. Converting say $100,000 means I remove ~$20,000 from an investment to pay the taxes. I’d have made ~$12,500 from that investment in the next 10 years. Of course, the taxes on the $100K also pay the future taxes on the earnings of that $100K. And the Roth conversion increases taxable income which can mess with some tax credits and push us toward the nasty IRMAA threshold.

So I end with questions like: Can I stay under future IRMAA thresholds by doing Roth conversions that keep me under current thresholds? If I’m earning X% on an investment, is it worth pulling it out to pay the taxes on a Roth conversion? What if there are capital gains involved? What is our income going to look like in 5 years.

Ideally we have a financial advisor to help with those questions, but my opinion of the people I’ve talked to is they just want to offer canned advice and get me out of the office or off the phone. So I’d love to have some kind of tool that brings all of the complicated variables together and lets us vaguely forecast the future. At the very least as a baseline for discussions with a financial advisor/tax planner.

Though taxes are a prime motivator, I want to be able to make my wife understand that our financial situation is far better than she thinks, and that we will see a time we will have to very much worry about making too much money and we are unlikely to ever have to be concerned with the price of gas or how much a hotel costs, both of which have her worrying these days. I told her the other day we made more in one day on a single stock than even $10 gas would cost us in a year and it didn’t register with her.

I can do the math, but all of the what ifs just drive me crazy.